FinWise Bancorp

NASDAQ: FINW · Real-Time Price · USD
14.78
0.33 (2.32%)
At close: May 27, 2025, 3:59 PM
15.00
1.49%
After-hours: May 27, 2025, 05:02 PM EDT

FinWise Bancorp Statistics

Share Statistics

FinWise Bancorp has 13.21M shares outstanding. The number of shares has increased by 3.3% in one year.

Shares Outstanding 13.21M
Shares Change (YoY) 3.3%
Shares Change (QoQ) 0.04%
Owned by Institutions (%) 27.25%
Shares Floating n/a
Failed to Deliver (FTD) Shares 28
FTD / Avg. Volume 0.14%

Short Selling Information

The latest short interest is 50.73K, so 0.38% of the outstanding shares have been sold short.

Short Interest 50.73K
Short % of Shares Out 0.38%
Short % of Float 0.44%
Short Ratio (days to cover) 2.52

Valuation Ratios

The PE ratio is 15.82 and the forward PE ratio is 8.96. FinWise Bancorp's PEG ratio is -0.49.

PE Ratio 15.82
Forward PE 8.96
PS Ratio 2.89
Forward PS 1.7
PB Ratio 1.16
P/FCF Ratio -10.14
PEG Ratio -0.49
Financial Ratio History

Enterprise Valuation

FinWise Bancorp has an Enterprise Value (EV) of 100.85M.

EV / Sales 1.44
EV / EBITDA 0
EV / EBIT -6.73
EV / FCF -5.07

Financial Position

The company has a current ratio of 0.35, with a Debt / Equity ratio of 0.03.

Current Ratio 0.35
Quick Ratio 0.35
Debt / Equity 0.03
Debt / EBITDA n/a
Debt / FCF -0.27
Interest Coverage 1.1

Financial Efficiency

Return on Equity is 7.33% and Return on Invested Capital is 4.48%.

Return on Equity 7.33%
Return on Assets 1.71%
Return on Invested Capital 4.48%
Revenue Per Employee $356,244.9
Profits Per Employee $65,010.2
Employee Count 196
Asset Turnover 0.09
Inventory Turnover n/a

Taxes

Income Tax 4.25M
Effective Tax Rate 25%

Stock Price Statistics

The stock price has increased by 37.36% in the last 52 weeks. The beta is 0.87, so FinWise Bancorp's price volatility has been higher than the market average.

Beta 0.87
52-Week Price Change 37.36%
50-Day Moving Average 15.52
200-Day Moving Average 16.19
Relative Strength Index (RSI) 42.71
Average Volume (20 Days) 20,201

Income Statement

In the last 12 months, FinWise Bancorp had revenue of 69.82M and earned 12.74M in profits. Earnings per share was 0.93.

Revenue 69.82M
Gross Profit 70.45M
Operating Income 16.99M
Net Income 12.74M
EBITDA n/a
EBIT 16.99M
Earnings Per Share (EPS) 0.93
Full Income Statement

Balance Sheet

The company has 106.06M in cash and 5.37M in debt, giving a net cash position of 100.7M.

Cash & Cash Equivalents 106.06M
Total Debt 5.37M
Net Cash 100.7M
Retained Earnings 116.59M
Total Assets 804.13M
Working Capital 38.17M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -14.99M and capital expenditures 0, giving a free cash flow of -19.89M.

Operating Cash Flow -14.99M
Capital Expenditures n/a
Free Cash Flow -19.89M
FCF Per Share -1.58
Full Cash Flow Statement

Margins

Gross margin is 100.9%, with operating and profit margins of 24.33% and 18.25%.

Gross Margin 100.9%
Operating Margin 24.33%
Pretax Margin 24.33%
Profit Margin 18.25%
EBITDA Margin n/a
EBIT Margin 24.33%
FCF Margin -28.48%

Dividends & Yields

FINW does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Payout Ratio n/a
Earnings Yield 6.32%
FCF Yield -9.87%
Dividend Details

Analyst Forecast

The average price target for FINW is $22, which is 52.2% higher than the current price. The consensus rating is "Buy".

Price Target $22
Price Target Difference 52.2%
Analyst Consensus Buy
Analyst Count 3
Stock Forecasts

Scores

Altman Z-Score 0.58
Piotroski F-Score 5